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Addressing the “Drawbacks” of Stated Income Loans

If you do not have a W-2, are an investor, or are between jobs, you might be considering applying for a stated income loan in Florida. While stated income loans offer a fast and easy application process, you may be wondering whether they have any drawbacks. Let’s take a closer look at the two potential drawbacks that are most often cited with respect to these types of loans and what they really mean for you.

Drawbacks of Stated Income Loans

Defaults are more likely. You will often hear people say that borrowers are more likely to default on stated income loans than other types of loans. Indeed, some people think that they are the same as the “liar loans” that were around prior to 2008. Actually, today’s stated income loans are very different from those types of loans. In fact, old-fashioned stated income loans no longer exist through reputable lenders and brokers. Before 2008, the phrase “stated income” was very literal. No documentation was required at all. As a result, lenders were approving customers for loans that they literally could not afford. It is no wonder many of these borrowers found themselves unable to keep paying on their mortgages. Anyone who continues to offer “liar loans” today is in violation of the Dodd-Frank Act. Does it happen? Yes. But you can avoid this simply by working only with lenders that have strong reputations and which do require proof of your income. That proof of income comes in the form of bank statements, which is why modern stated income loans are also called “bank statement loans.” Those are the types of loans we can connect you with. Since you will be verifying your income through this alternative means, you will only qualify for a mortgage you can afford. So long as you continue to earn a similar income in the future, you should be able to pay off your loan in full without defaulting, just as you would if you applied for a mortgage through the traditional application process.

Bottom Line: Customers frequently defaulted on old-fashioned stated income loans before 2008. With the Dodd-Frank Act, those loans largely went away. Today’s modern stated income loans are actually bank statement loans. They do require income verification (but no W-2), and are a safe form of financing offered by reputable lenders.
Interest rates and fees might be higher. The other potential drawback that you might hear about when it comes to stated income loans is higher interest rates and fees. This is less likely to be an issue if you are getting a fair and legal stated income loan through a reputable lender than it would be if you were signing a loan with a predatory lender. With your bank statements, you are verifying your income. That means that you are not an unknown, and a reasonable assessment of your risk level as a borrower can be made. You can also take steps to offset higher interest rates and fees. Provide a longer period of bank statements (i.e. 24 months instead of 12). Make a larger down payment on a home if you can. Maximize your credit score and reduce your debt-to-income ratio. Wait to apply for a mortgage until you are on a stable career path. You also can shop around for the most competitive interest rates and fees instead of going with the first mortgage offer you receive.

Bottom Line: Stated income loans may have higher interest rates than their traditional counterparts, but there are strategies for offsetting those rates. You can find some very competitive offers with the help of a mortgage broker in FL with a large network of quality lenders.

Lending Bankers Mortgage Can Connect You with a Competitive Stated Income Loan in FL from a Trusted Lender

Lender Bankers Mortgage works with a network of trusted lenders throughout Florida. Whether you are in Miami or elsewhere in the state, we can walk you through the modern stated loan process and help you find a mortgage with competitive rates. Have questions about stated income loans, or ready to apply? Please give us a call today at (786) 220-1100. We look forward to working with you.

Client Testimonials

Discover What Our Clients Have to Say About Us!

Building lifelong mortgage partnerships is our mission. Explore our clients’ experiences through our Google reviews.

Lending Bankers Mortgage

5.0

Based on 299 reviews

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Luciana F.

21:05 27 Jun 25

It’s always a pleasure to work with David Otero! He is very thorough and proactive!

Luis H.

12:53 27 Jun 25

Working with Lending Bankers has been amazing. David Otero and Gabriel are incredibly knowledgeable and always on top of everything. I really value how responsive and efficient they are, exactly the kind of mortgage brokers you want on your team to get deals closed smoothly.

Gilberto L.

16:28 24 Jun 25

I had an outstanding experience working with Landing Bankers Mortgage in securing the mortgage for my new home. From start to finish, their team was incredibly professional, responsive, and supportive throughout the entire process. They took the time to explain every step clearly, found competitive rates tailored to my needs, and ensured that everything moved forward smoothly and efficiently. Their attention to detail and commitment to customer service truly set them apart. Thanks to their expertise and dedication, I was able to close on my new house with confidence and peace of mind. I highly recommend Landing Bankers Mortgage to anyone looking for a seamless and trustworthy mortgage experience

Julian A.

15:59 15 Apr 25

I had an excellent experience working with Lending Bankers Mortgage, and I’d like to especially highlight the outstanding support from David Otero, Juan Manuel, and Gabriel throughout the entire process.Their professionalism, transparency, and constant communication made the mortgage process smooth and stress-free. They were always available to answer questions, provided clear guidance at every step, and truly went above and beyond to ensure everything was completed on time.I highly recommend Lending Bankers Mortgage to anyone looking for a trustworthy and efficient mortgage team. Thank you again to Dante, Juan Manuel, and Gabriel for your dedication and exceptional service!

Daniel C.

16:29 14 Apr 25

The best experience!. This was my first experience looking after financing in Florida and Lending Bankers Mortgage walk me through the whole financing process, with detail, extreme confidence and 24/7 support from Juan G. and David who is their president!

David O.

18:40 07 Feb 25

⭐️⭐️⭐️⭐️⭐️ – Exceptional Service Beyond Expectations!David Otero and Gabriel I can't say enough about the amazing service you provided. No matter the obstacles that came our way, he always found a solution, going above and beyond at every turn. His dedication, expertise, and problem-solving skills are truly unmatched.If you're looking for a broker, don't waste any time—work with him ASAP! To be honest, it would be your loss if you don’t because this was hands down the best service I've ever received. He doesn’t just treat you like a client; he treats you like family. I highly recommend him to anyone who wants a seamless and successful experience!

Erika B.

01:31 31 Jan 25

Highly recommended! The services provided by Gustavo were exceptional. His advice and support throughout the entire credit approval process were invaluable. Gustavo was a key figure in the selection of the property and in achieving the successful approval of the credit for our first property. Thank you very much, Gustavo Gamboa

Francisco De M.

00:55 31 Jan 25

Great experience working with Gustavo Gamboa in this process, Highly recommended! Clear explanation, 100% available to clarify any doubt, very structured and you always receive the best guidance anytime

S.A.M.I I.

02:07 09 Jan 25

I am not one to leave opinions, but I am very grateful to Juan G and David, very efficient, we resolved the problem in 15 days, thank you!

Ruben S.

01:26 12 Dec 24

Thanks to the team at Lending Bankers Mortgage. My Buyer used them to purchase her condo in DoMi and we successfully closed! Great teamwork and cheers to the next one!

Daniar B.

00:16 10 Dec 24

Recomiendo 100% a Gustavo presente en cada paso que dimos para la compra de mi casa. Con mucha paciencia y explicando paso a paso todo lo que íbamos haciendo.

Aaron D.

00:12 10 Dec 24

Nice experience. They make it easy and trustlyThanks guys🙏🙏🙌

Henrique F.

20:31 06 Dec 24

I have been working with Gustavo Gamboa for several years, very professional and knowledgeable, always showing the best opportunities for my mortgages, with the best rates of the market and smooth closings. I highly recommend him.

Karel R.

20:06 06 Dec 24

Highly recommended! The services provided were truly top-notch. Working with Gustavo was more than just a transaction; it was a transformative experience. As a Realtor, I grew immensely under his mentorship. Gustavo is not only a proficient financial advisor but also an excellent mentor. My clients felt genuinely comfortable throughout the financing process and, thanks to his expertise, were successfully approved to purchase their dream home.

Federico Fernandez A.

16:59 16 Nov 24

Todo perfecto! Especial mencion a Juan G y David. Siempre predispuestos a ayudar en todo. Tambien mucha paciencia, ya que fue la primer experiencia de compra con un lender en USA y, a pesar de los obstaculos que se presentaban, siempre intentaron hacer lo imposible para que se cumpla en tiempo y forma. Muchas gracias!

Melanie T.

15:03 16 Aug 24

I had the pleasure to work with Danny Perez. He was very professional and made my mortgage application process as smooth as possible. Thank you again Danny for all the hard work you put in to helping me get my investment property done. You are amazing at what you do😊

Julian V.

16:47 01 Aug 24

My boss referred me to Lending Bankers due to his past outstanding experiences with them. My process for refinancing was difficult and long, Gabriel did a fabulous job by selecting different banks and when one was chosen he really made it happen. Together with David Otero they even spoke to the bank president. I truly recommend them.

Adrián B.

21:51 22 Jul 24

David Otero and Gabriel from Lending Bankers are the best!!!! Super easy to work with and very professional. They are always available to answer any questions, and they have open lines of communication throughout the entire process no matter the time they always answer. The loan process was painless and fast! Thank you very much for all your work and for your excellent service.

José P.

22:14 10 Jul 24

Genial empresa , gente muy comprometida con ayudar a el cliente , súper amable y siempre viendo como se den las cosas de la manera más rápida y correcta !David y Gabriel en especial me acompañaron en todo el proceso y básicamente lo hicieron ellos !!

Angel Vivas V.

00:30 25 Jun 24

Excelente Equipo.. reconocimiento para todo el equipo de trabajo liderado por Juan Grieben.. son Excelentes.. Profesionales y Eficientes. En nuestro caso entre otras situaciones disponiamos de tiempos muy ajustados. Nos comunicamos permanentemente durante el proceso de evaluación y nuestro objetivo fue logrado a tiempo con una muy clara propuesta económica desde el primer momento.. Estamos muy agradecidos y satisfechos.. 100% recomendables..

Marisol M.

21:18 24 Jun 24

Juan Grieben es fabuloso ! Pudo resolver un préstamo con condiciones excelentes en pocos días !

Javier R.

15:27 18 May 24

Conozco a Juan G. desde la universidad, y su dedicación como profesional siempre fue estupenda. Su profundo conocimiento del mercado, atención al detalle y enfoque centrado en el cliente hacen que trabajar con él sea una experiencia excepcional. Siempre brinda asesoramiento honesto y soluciones a medida. Gracias David y Juan por la experiencia con ustedes.

Jessie O.

02:44 17 May 24

My new found brother in arms, BRICKELL BRUCE!!! He really stepped to bat for our commercial acquisition. A finance broker is defined by their creativity and understanding of opportunity. They're the one selling the deal. We know he also has the ability to provide creative business financing for our commercial tenants as well. The man does it ALL and we're looking forward to working together again soon.Lending Bankers as a company seems to gel very well; I had the pleasure of speaking with CEO Mr. David Otero. Great guy and unbelievably knowledgeable with real estate finance. They offer residential mortgages as well. But personally, as someone who is constantly using private funding, I'm truly impressed by their knowledge of Fix & Flip and Bridge Loans.

CAL C.

02:22 17 May 24

The Superior customer service, and know how by Danny Perez is impressive and why he has such a great reputation.. Effective and convenient don’t look anywhere else.. Thank you so much !!!⭐️⭐️⭐️⭐️⭐️

Afshan K.

00:02 17 May 24

Danny Perez was wonderful,he helped me navigate all the complexities of the mortgage approval process and helped me close the loan in a timely fashionI was impressed by his hard work perseverance and dedicationI recommend him wholeheartedly and look forward to doing more deals

Cristhian B.

20:17 30 Apr 24

These guys are pros and know what they are doing. They made something hard look easy. Thanks Rodrigo and David, I appreciate your help!

Bianca A.

19:42 30 Apr 24

After having a hard time getting prequalified I’m glad I came across Rodrigo who asked all the right questions the other reps were missing. Seems like in this business it’s important for bankers to think outside to box. Thanks Rodrigo and David!! You made it happen

isabel O.

04:43 28 Apr 24

Thank you Pamela and David for all the help on financing my vacation home in Florida, great communication and excellent terms, I will send business your way guys.

21:19 24 Apr 24

Danny Perez is the absolute best. We needed our approval letter and everything very quickly to put an offer on a house, and Danny got it to us so quickly. BEST EVER!

Marisol

15:56 24 Apr 24

Siempre es un verdadero placer trabajar con este gran equipo, especialmente con Gabriel y David Otero . Profesionales, atentos, diligentes y siempre disponibles para sus clientes. Siempre los recomiendo para cualquiera que tengas necesidad de buscar un financiamiento.Como siempre, un placer enorme en trabajar juntos ❤️

Faridd E.

23:35 23 Apr 24

Muchas gracias a David Otero y Gabriel Corrente de Lending Bankers por su excelente atención y servicio para la obtención de mi servicios de prestamos, estoy súper agradecido con ustedes y son un excelente equipo.Saludos!

randol M.

18:25 23 Apr 24

A thank you to the excellent service provided by David Otero and Gabriel in obtaining my loan. Best regards

Victor P.

01:45 23 Apr 24

There’s no one else I’d recommend more than Katherine and David! Since our very first meeting they took the time to understand my financial situation and goals, provided amazing guidance on every step during the mortgage process. They were always available to answer my questions, making sure I felt confident and informed throughout the entire process no matter the time. Their attention to detail and dedication to their clients truly sets them apart. I couldn’t be more grateful for their help.

Roman K.

00:10 23 Apr 24

Danny Perez consistently goes above and beyond for his clients. His dedication to delivering exceptional service is evident in every interaction. I've referred him to friends and family without hesitation, and personally experienced the professionalism and expertise he brings to the table. He truly makes the experience painless and stays on top of you looking out for your best interest and goes to bat for you.Danny's commitment to his clients is unmatched, and I'm confident in recommending him to anyone in need of mortgage assistance. Thank you, Danny, for consistently exceeding expectations!

London

16:19 22 Apr 24

I want to thank David, Juan, and Gustavo for all their professionalism in handling business. Lending Bankers Mortgage is a very reliable broker to trust your investments!!!

Daniel S.

15:52 22 Apr 24

Two words: BRICKELL BRUCE!!! If you’re not working with him for your business and real estate loans…you need to. He makes life SOOO much easier. Thank you! Will be sending more business your way

dania Q.

14:31 22 Apr 24

I would like to thank Pamela and David at Lending Bankers Mortgage for their exceptional service in helping me find the right loan for my primary residence. Their expertise and dedication made the process smooth and stress-free. I highly recommend them for their amazing customer service and professionalism.Thank you, Pamela and David, for all your help!

Theo (T-Nice Personal T.

13:50 22 Apr 24

I would like to thank David and Pamela for helping our Family to get our second home in Sunny Isles Beach. We all tought it would be a complicated process to get financed but you guys communicated so well that we were able to understand every step, got to the closing table on time and really happy that it was an easy process. Again, thanks for everything and definitely will refer you guys to friends and family 🙂

Drew L.

23:23 26 Mar 24

Danny and his partners were exceptional collaborators, guiding me through a challenging refinancing process with unwavering support. Despite the project's difficulty in securing financing, their dedication and hard work ensured a perfect fit for my refinance. I enthusiastically endorse them and am already planning my next deal with them, just a month after closing the previous one.

Iban R.

01:09 07 Mar 24

La experiencia que tuve con Juan Grieben fue sumamente positiva. Desde el inicio, se mostró notablemente atento, brindando información detallada en cada etapa del proceso. Su actitud proactiva y su enfoque informativo hicieron que la gestión del préstamo fuera fluida y clara. Definitivamente, lo recomendaría por su profesionalismo y compromiso en brindar un servicio de calidad.

Jerry P.

17:58 07 Feb 24

I don’t know how else to put this… THESE people know ALL the moves. Over the many years I’ve been an accountant, I’ve worked with many mortgage brokers. This team is BY FAR, the BEST I’ve worked with.Bruce Davenport & David Otero really changed my outlook on what it is brokers do. I was able to get quick hard money for 2 projects in the same week. Phenomenal.

Anthony Z.

12:01 08 Jan 24

Five Stars Miami Sunshine, All Thanks to Juan G. at Lending Bankers Mortgage!From pre-approval to closing day, Lending Bankers Mortgage was a dream come true, and the sunshine in that dream was Juan G.. This is not just a five-star review, it's a standing ovation for the exceptional service and guidance Juan provided throughout our entire home-buying journey.As foreign buyer, I was equal parts excited and terrified. Juan calmly and patiently walked me through every step, explaining complex terms in clear language and always taking the time to answer our endless questions. His knowledge of the mortgage landscape was impressive, and he offered tailored solutions that fit my unique needs and financial situation.Juan wasn't just a loan officer; he was our champion and cheerleader. He kept us informed every step of the way, celebrating our victories and reassuring me through any minor bumps. His proactive communication meant I never felt lost or in the dark, and he was always responsive and accessible, even after hours and on weekends.The entire Lending Bankers Mortgage team was fantastic, but Juan G. made the experience truly exceptional. He exceeded every expectation and turned the potentially stressful process of buying a home into a smooth, pleasant experience. We genuinely looked forward to each interaction with him, and his genuine enthusiasm for helping us achieve our dream was truly infectious.If you're looking for a mortgage lender who goes above and beyond, look no further than Lending Bankers Mortgage and ask for Juan G.. He's not just a mortgage expert; he's a home-buying hero!Thank you, Juan, for making dreams reality! You deserve all the stars in the sky and then some.Sincerely,A Happy customer (and lifelong friend of Juan G.!)P.S. If you're reading this David Otero, Lending Bankers Mortgage President, give Juan G. a raise! He's worth his weight in gold Thank you also David for supporting Juan G and getting this setup in good time for me!

Natalia A.

23:52 03 Jan 24

I am so happy with the assistance I received from Pamela Borrero throughout my mortgage process. Her expertise and dedication made the entire experience smooth and stress-free. If you're looking for someone reliable and efficient in the mortgage journey, I highly recommend her. Thank you for your support!

tjpaulino

17:41 29 Dec 23

I want to distinguish your agent Gabriel Corrientes, who deserve an A plus at your company. Gabriel was the pushing gas engine on my loan application and he made possible to close my case within the 14 days period. Thanks a lot Gabriel for all your assistance. Have a happy 2024.Also, my appreciation to Mr. David Otero, who from the beginning of negotiation, he and Mr. Gabriel introduce themselves and inspired me the trust to proceed with the loan.Yours,Tobias J. Paulino

Cristina M.

01:13 20 Dec 23

David , Gabriel and Nathaly gave me the requirements to save time even before passing the offer. They made a pre qualification so i knew already my capacity to borrow a property, also they offered me different programs that lenders have on market , and they chose the one that fixs my needs.Once pre approved the process for preparation the closing last just a few. The closing was very smooth all the funds came on time right 24 hours before. I really felt confidente and the Team worked fast, coordinated and accurate. I full recommend them.

karolina m

01:46 29 Nov 23

Lending Bankers Mortgage (Danny Perez and David Otero) was recommended by RPM Luxe Realty. From day one, Danny made me feel comfortable. I went through the pre-approval, approval, clearing to close, etc. processes with Danny figuratively holding my hand the entire time. There were times when I was literally crying because I was so frustrated and scared and Danny made me feel like everything would be okay. In general, I think RPM Luxe and Lending Bankers Mortgage make a great team. Danny is very relaxed and I’m not sure that he ever feels stressed, which is something unfamiliar to me. I think it’s because he has been doing this for quite some time.Additionally, Danny treats his clients like family. If anything is wrong, Danny takes it personally as though it was his own personal situation.If you are looking for 24/7 concierge service, Danny and David are your guys. After the Thanksgiving holiday, Danny was inflight and texting and emailing the entire time. I was grateful that American Airlines’ Wi-Fi was working so well.

jazmin C.

17:18 23 Oct 23

Rodrigo y David nos ayudaron de principio a fin y se aseguraron de contestar todas las preguntas que teníamos. Los recomiendo de corazón y volveremos a trabajar con ellos en la próxima casa que compremos.

Paula U.

21:40 17 Oct 23

Gracias Juan G y David por su asesoramiento y ayuda para poder concretar la compra de mi unidad! Todo fue muy simple y claro desde el comienzo.

Dorotea L.

15:04 17 Oct 23

Our experience with Danny Perez has been nothing short of PHENOMENAL. In a last-minute decision, we wanted to move our closing date up by two weeks, and Danny made it happen with absolute ease. The team is not only fantastic and responsive, but they also efficiently handle all queries and swiftly get everything organized. With Danny, what we anticipated to be a nerve-wracking experience turned out to be a breeze. A huge thank you to Danny and his team for their incredible assistance! We will undeniably come back for your top-notch services in the future!

Juan D. P.

14:28 17 Oct 23

Gracias Lending bankers por toda la ayuda, Excelente servicio y muy agradecido con David Otero y Gabriel quienes ayudaron a que todo el proceso fuera fácil y lograra la meta! 100% recomendados

Maurice

02:06 17 Oct 23

Thank you to David Otero and Gabriel Corriente for making the process as smooth as possible. I highly recommend working with them.

Leon Francois Properties L.

23:36 16 Oct 23

Everything was on schedule and on time. I highly recommend Dany he made our transaction as smooth as possible! Looking forward to working with Danny and the LB team again!

angela B.

16:42 16 Oct 23

Danny Perez was excellent, I highly recommended him.

Vanessa C.

16:33 16 Oct 23

I had the pleasure of working with Danny Perez. He is extremely helpful and professional. He answered all of questions throughout the process and made it so easy. Without hesitation, I would recommend their services to anyone seeking a mortgage professional.

Emmy R.

16:17 16 Oct 23

Danny was super helpful and easy to work with !

Juno P.

15:02 16 Oct 23

Danny Perez did a wonderful job with my clients and looking forward to working with again.

Obdulia S.

23:00 15 Oct 23

I am incredibly grateful to David Otero and Gabriel at Lending Bankers they have provided me with great assistance with my new mortgage. Their expertise, passion, and continuous support were critical in making the entire process run smoothly. They went above and above to ensure I understood every step and got the best possible offer. I definitely recommend David Otero and the team of Lending Bankers team to anyone in looking for a mortgage. Thank you so much for your exceptional service and professionalism throughout this process!

Paulina C.

00:14 16 Aug 23

I had the pleasure of working with Danny and David on a recent transaction. Their proactive approach, lightning-fast responses, and remarkable problem-solving abilities truly stood out. Without hesitation, I would recommend their services to anyone seeking a reliable and efficient mortgage professional.

Annia T

11:35 09 Aug 23

Lending Bankers is one of the Lending institutions you will not regret to work. All of them are very knowledgeable and helpful to make this stressful process better for their client. David Otero and Gabriel Corrente help me to find a good Mortgage for my transaction in 1 Week!! Amazing 👏!! Thanks a lot for all your assistance and for keep me posted in every step. I will recommend them 💯

Armando M.

14:09 08 Aug 23

Smooth process.Reliable.Assertive.Energy and intensity when it is needed.I will use them again for sure.

Michelle Coalla R.

18:29 01 Aug 23

Danny was great! Our client couldn't get funding from their lender last minute and Danny was able to close our client in less than a week! He really saved this deal. On top of that, he was so kind and always on top of everything to make sure we met the deadline.

Maximillian D.

17:59 01 Aug 23

Called Danny a week before closing and the man saved my deal and was professional all the way through can recommend

Jorge V.

21:00 27 Jul 23

GabrielTe estoy escribiendo para agradecerles con David por el trato que nos dieron en la ocasiónDel cierre de nuestra financiación para compra de departamento en el edificio Missoni BaiaNos sentimos muy a gusto les felicito y ojala mas adelante podamos hacer otro negocios.Muchas Gracias AbrazosJorge

Maria T.

21:03 22 Jul 23

Mariya and Gustavo are truly exceptional mortgage loan originators, and I cannot recommend them enough. Their commitment to providing top-notch service to their clients is second to none. Throughout my entire home buying process, they were patient, consistent, and always available to answer any questions I had. If you are looking for mortgage loan originators who are professional, knowledgeable, and simply the best, then look no further — they will not disappoint! Thanks so much again:)

Carlos R

18:52 20 Jul 23

Fantastic experience from Lending Bankers. From start to finish David and Rodrigo provided top notch service with their professionalism and attention to detail. 10/10!!!!

Andreina E.

00:06 20 Jul 23

Excellent and professional service, Danny and David have helped many of my clients obtain their home mortgages. I recommend them

Lucia Robles A.

13:52 17 Jul 23

David y Rodrigo nos dieron un servicio excepcional de principio a fin. Todo fue muy fácil y me sintieron sentir muy cómoda. Los recomiendo de corazón ya que son muy profesionales.

Luna A.

15:29 15 Jul 23

I would like to extend my sincere gratitude to Gustavo, Katherine and Mariya for the outstanding services they provided me during the purchase of my house. This is not the first time that Gustavo has assisted me in buying a property, and I can confidently say that he is an asset to the mortgage industry. His commitment to clients is truly remarkable. Despite the challenges that came up during the transaction, Gustavo and his team were always there to find quick solutions and work tirelessly towards a successful outcome. I have no hesitation in recommending them to anyone in need of a reliable mortgage professionals. Thank you!

jesus P.

14:11 10 Jul 23

Mariya & Gustavo, what I appreciate the most about you is your dedication to finding the best mortgage solution. Thank you for taking the time to understand my needs and goals, for working tirelessly, exploring all viable options until we've found the perfect fit. My sincerest gratitude to your expertise and knowledge, and yes! — we were able to secure an excellent interest rate, which ultimately led to a more favorable financial outcome for me.

One Luxury M.

19:16 06 Jul 23

I would highly recommend Pamela Borrero to anyone looking for a mortgage broker. Her expertise, professionalism and dedication to her clients make her a top choice in the industry. I am truly grateful for her assistance and the positive experience I had working with her.

Chris B.

19:10 05 Jul 23

Thank you guys for such a fast closing on the 2 acres I bought to develop my fourplex property. Nobody wanted to lend me the money without developer experience but you guys helped me partner up with the right GC that had all the necesary experience and now looking forward to the construction and the permanent loan after. Looking forward to many more developments in the near future.

Willy S.

19:45 04 Jul 23

Dear Lending Bankers team, I would like to thank you all for helping me purchase my multiunit investment property financing 85% of the purchase price with a great rate and record times, this was a very challenging transaction but you guys made miracles happen, will definitely recommend you to friends and family

Sam T.

02:51 04 Jul 23

David, thanks for helping me and my business partner acquire the space we needed. Your comparison analysis on payments, cash on cash returns and amazing fixed rate program helped us want to proceed on this deal and we're very happy we did. You are more than a financial advisor in the real estate arena, you have a great understanding on how to utilize real estate assets to build wealth and that's something I never before had help with. No realtor, or financial advisor I've encountered knew how to crunch the numbers and get the most value like you do. Forever gateful for your assistance and I will definitely refer my family and friends to you. Thanks again!

D A

16:44 03 Jul 23

As a foreign national taking on a mortgage for the first time in a different country, I felt apprehensive and concerned about navigating the process. However, my worries were alleviated thanks to the exceptional service provided by Gustavo and Mariya. Their in-depth knowledge of the mortgage industry, combined with their outstanding customer service, made my experience stress-free and seamless. I truly couldn't be more grateful for your guidance and expertise. Highly recommend - you guys are the best!

Duber B.

03:19 03 Jul 23

You guys always deliver, 4 years sending you all my clients and always finding a solution even to the most challenging cases, highly recommended to anyone looking for real professionals.

Alysia L.

23:46 28 Jun 23

I had an amazing and professional experience working with Mariya and Gustavo from Lending Bankers Mortgage! From the moment we began working together, they were very helpful and responsive to any questions or concerns my partner and myself had throughout our home buying experience. They are extremely knowledgable and made sure that we understood every step of the process so that we felt confident with our decisions. We were first time homebuyers (yes, we closed!), so it was great to have their support. We highly recommend them for anyone looking to finance in order to buy a home. Thanks to them and their team, we now have our amazing new home! Thank you Mariya and Gustavo!!

Ezequiel D.

04:16 28 Jun 23

Thanks Juan G. and David Otero for an excellent service. The loan process was very smooth and easy. They are in charge of my real estate portfolio. Highly recommended.

javier P.

17:50 27 Jun 23

I want to thank Danny Perez and David Otero for all their support, for their kindness and for being a great and very professional work team. Thanks for everything

G N

17:41 27 Jun 23

I would like to thank directly to Danny Perez and David Otero for their professionalism and support! It’s definitely a pleasure working with both of you, thanks again.

Gaetano Alessi J.

17:26 27 Jun 23

Im having an excellent experience working with Danny and his team! They’re helping me find and secure a mortgage that fits my budget. The staff is knowledgeable and responsive throughout the entire process, always answering my questions and addressing any concerns I have. They truly go above and beyond to ensure everything will go smoothly and I feel confident in my decision. I highly recommend them for anyone looking to buy a home or commercial property to secure financing. Looking forward to it, Thank You!

jessika P.

16:38 27 Jun 23

The best David Otero and Danny Pérez, reliable, safe and above all very efficient.

Michael L.

14:24 27 Jun 23

Amazing customer service attention to detail, highly recommend.

Manolo E.

13:20 27 Jun 23

Excellent service! Definitely will recommend Danny Perez and David otero to my friends and clients🙌🏼

Vladimir L. J.

13:04 27 Jun 23

I had the pleasure to work with Danny Perez and David Otero on my first real estate transaction. Let me tell you you I never felt more comfortable in my life until I rusted them to handle the mortgage of my property. They were super knowledgeable and easy to work with throughout the whole process from A to Z. I couldn’t be more grateful amd appreciated to them both. Thank you 🙏 for the amazing experience. You guys rock

Maz M.

13:00 27 Jun 23

Danny is incredible. Extremely passionate and gets the job done. Highly recommend him and his team.

Nicolas P.

12:59 27 Jun 23

Danny Perez and David Otero are great to trust and work 🔏😎

Idania B.

23:59 26 Jun 23

I owe a huge debt of gratitude to David Otero, Gabriel, and the entire Lending Bankers staff for their outstanding assistance and persistent focus during the loan application process. Although buying my first investment property in Miami as a foreigner looked intimidating, their knowledge and direction made the process easy. Their attention and expertise went above and beyond my expectations, ensuring that all of my concerns were swiftly addressed. In receiving the financing for my property, David's knowledge as a mortgage broker and Gabriel's assistance were crucial. They come highly recommended by me to anyone looking for a trustworthy business. I'd want to express my gratitude to David Otero, Gabriel, and the Lending Bankers team for realizing my dream of owning a Miami investment property.

Ybrahim G.

14:54 26 Jun 23

The great thing about working with Nathaly V and Gabriel was how they can LISTEN first to my needs and ideas, and then using their experience and network to provide me with multiple options, analysis, recommendations and save me TIME on the process of getting my investment property mortgage. Transparent and timely communication was impressive and how smooth the process was from beginning to closing. Fully recommended for getting a great deal and peace of mind in your investment.

gabriela V.

21:44 02 Jun 23

Gracias Juan Grieben!!! Me ayudaste desde el principio hasta el final a lograr el prestamo de construccion para mi empresa. Siempre fuiste muy claro y sincero. Eres ademas muy organizado y fue facil el camino con tu ayuda. Lending Bankers Mortgage es un aliado increible para mi y mi negocio.

Graciela R.

23:40 20 Apr 23

Durante todo el proceso, desde la evaluación inicial del caso hasta el cierre final, el apoyo recibido ha sido excelente. El trato ha sido profesional, siempre presentes para aclarar las dudas y obtener la guía necesaria para reunir con éxito los recaudos necesarios. Definitivamente Nathaly y Gabriel son los mejores en el área, altamente recomendados!

Melissa A.

14:35 01 Apr 23

Strong follow from the beginning with Danny Peréz was our agent plus David Otero focus in the other points on the transaction. Looking for to our next property deal. Thanks guys !

Luke F.

23:43 31 Mar 23

Danny has done a brilliant job. Hard working, always available and super efficient. Great experience and made the whole process super easy. Would reccomend!

Cheri S.

20:29 28 Mar 23

Working with Danny Perez was the best thing i could ever done. I am a widow and I was left to manage multiple properties when I lost my husband I had to use hard money lenders and my portfolio was really being drained by unfavorable loans. Danny perez fought to understand and manage ever aspect of my portfolio. I would text him at 5 am in the morning and on weekends he relentlessly facilitated my new mortgages. He is a man who lives by his word and fought to get me the lowest rates and safest mortgages as a family member would.I can’t speak highly enough about him. There are few lenders who would work the long and tedious tasks that he endured to help me.I hope one day I can repay him He is incredible in passion and his expertise is beyond any executive mortgage brokerCheri Surloff Phd Psyd

leslie R.

20:15 28 Mar 23

We had a great experience working with Danny Perez.He is very experienced in the negotiations and very meticulous with his paperwork.He can be reached 24/7 and never gives up until he has reached his goal. I look forward to working with Danny on many more investments.Absolute professional in everyway.RegardsLes. RANCE

Mauricio S.

21:45 28 Feb 23

Gabriel Corrente , de Lending Bankers , ha sido el profesional que hemos encontrado , desde nuestra llegada a los Estados Unidos, que mejor trato, mejor información, mejores opciones nos brindo durante nuestra financiación para la compra de vivienda. Como Latino , estamos acostumbrados a tener una relación cercana con quien nos va a dar o tramitar un crédito . Fuimos a muchos bancos y todos fueron muy impersonales , la diferencia estuvo en Gabriel Corrennte y Lending Bankers ya que nos llevo de la mano durante todo el proceso y nos dió la orientación necesaria para poder cumplir con todos y cada uno de los requisitos y tramite .Gracias Gabriel, Gracias Lending Bankers por se nuestro nuevos mejores amigos y asistente para créditos.MAURICIO Y MARIA DEL ROSARIO

Boris M.

14:45 24 Jan 23

Incredible, great opportunities, with Mr. Juan Grieben, if you want to buy a property, this is the right place

Franki Luis Reyes N.

16:18 19 Jan 23

Son muy eficientes y buenas trabajadoras Ana, Maria y Claudia

Marieva L.

15:11 19 Jan 23

Efficiency and responsibility. Ana, Claudia y María they advise the client very well.

ESTEFANY G.

15:11 19 Jan 23

Un explendido y excelente servicio de Ana, María y Claudia